> isn't a simple/safe investment entity to pull out a reliable 10%. Long run even the stock market only averages about 7%, and that isn't simple or safe - but

> isn't a simple/safe investment entity to pull out a reliable 10%. Long run even the stock market only averages about 7%, and that isn't simple or safe - but it beats other asset classes on return. Asking for a risk-free 10% is pretty much a fantasy. One weird thing about the amount of volatility in recent years is that people are simultaneously used to the idea that their "cash savings" earn approximately nothing, but turn their noses up at a 5%-7% return. Historically speaking this irrational.